Real-time distributed communication channel and multiple data processing channel selection system

ABSTRACT

Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

CROSS-REFERENCE TO RELATED APPLICATION

The present application is a continuation application of and claimspriority to U.S. patent application Ser. No. 17/571,789 filed Jan. 10,2022 of the same title; the contents of which are also incorporated byreference herein.

FIELD OF THE INVENTION

The present invention embraces a system for real-time distributedcommunication channel and multiple data processing channel selection.

BACKGROUND

Information Technology has changed considerably, moving from aclient-server environment to one driven by digital transformation,increasing the interaction of network infrastructure devices such asmobile devices, routers, firewalls, switches, servers, load-balancers,intrusion detection systems, domain name systems, storage area networks,and/or the like. All this innovation has expanded the ability of peopleand devices to communicate. What remains constant, however, is that thenetwork, no matter what form it takes, must protect the usability andintegrity of the communication channels and network resources.

Therefore, there is a need for a system for real-time distributedcommunication channel and multiple data processing channel selection.

SUMMARY

The following presents a simplified summary of one or more embodimentsof the present invention, in order to provide a basic understanding ofsuch embodiments. This summary is not an extensive overview of allcontemplated embodiments and is intended to neither identify key orcritical elements of all embodiments nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments of the present invention in a simplified form as aprelude to the more detailed description that is presented later.

In one aspect, a system for real-time distributed communication channeland multiple data processing channel selection is presented. The systemcomprising: at least one non-transitory storage device; and at least oneprocessing device coupled to the at least one non-transitory storagedevice, wherein the at least one processing device is configured to:electronically receive, from a first user input device via a firstcommunication channel, a request to access resources; retrieve, using acommunication channel monitoring engine, connectivity and routingparameters associated with the first communication channel; determinecommunication channel requirements associated with the request to accessthe resources; determine that the connectivity and routing parametersassociated with the first communication channel does not meet thecommunication channel requirements associated with the request to accessthe resources; capture geographic information associated with the firstuser input device; determine a second communication channel available tothe first user input device to access the resources based on at leastthe geographic information associated with the first user input device;and authorize the first user input device to access the resources viathe second communication channel.

In some embodiments, determining that the second communication channelavailable to the first user input device further comprises: retrieve,using the communication channel monitoring engine, connectivity androuting parameters associated with the second communication channel; anddetermine that the connectivity and routing parameters associated withthe second communication channel meets the communication channelrequirements associated with the request to access the resources.

In some embodiments, the at least one processing device is furtherconfigured to: transmit control signals configured to cause the firstuser input device to display a first notification indicating that therequest to access resources via the first communication channel isdenied as the connectivity and routing parameters associated with thefirst communication channel does not meet the communication channelrequirements associated with the request to access the resources device.

In some embodiments, the at least one processing device is furtherconfigured to: transmit control signals configured to cause the firstuser input device to display a second notification indicating that theconnectivity and routing parameters associated with the secondcommunication channel meets the communication channel requirementsassociated with the request to access the resources, wherein thenotification further comprises a prompt to request a useracknowledgement to access the resources via the second communicationchannel; receive, from the first user input device, the user inputacknowledging the use of the second communication channel to access theresources; and authorize the request to access the resources via thesecond communication channel in response to receiving the user inputacknowledging the use of the second communication channel to access theresources.

In some embodiments, the at least one processing device is furtherconfigured to: determine, using a dynamic channel pricing engine, avalue for the first user input device to access the resources using thesecond communication channel; and transmit control signals configured tocause the first user input device to display a third notificationindicating the value for the first user input device to access theresources using the second communication channel, wherein thenotification further comprises an authorization request to automaticallyretrieve funds corresponding to the value from an account repositoryassociated with the first user input device.

In some embodiments, the at least one processing device is furtherconfigured to: electronically receive, from the first user input device,a user authorization to automatically retrieve funds corresponding tothe value from an account repository associated with the first userinput device to authorize access to the resources via the secondcommunication channel.

In some embodiments, the at least one processing device is furtherconfigured to: dynamically generate a service level agreement associatedwith authorizing the first user input device to access the resources viathe second communication channel; transmit control signals configured tocause the first user input device to display a fourth notificationindicating the service level agreement, wherein the fourth notificationfurther comprises a prompt to request a user acknowledgement of theservice level agreement; receive, from the first user input device, theuser input acknowledging the service level agreement; and authorize therequest to access the resources via the second communication channel inresponse to receiving the user input acknowledging the service levelagreement.

In some embodiments, the communication channel requirements associatedwith the request to access the resources further comprise one or morepreset requirements for one or more security controls associated withchannel security and one or more link controls associated with channelquality.

In another aspect, a computer program product for real-time distributedcommunication channel and multiple data processing channel selection ispresented. The computer program product comprising a non-transitorycomputer-readable medium comprising code causing a first apparatus to:electronically receive, from a first user input device via a firstcommunication channel, a request to access resources; retrieve, using acommunication channel monitoring engine, connectivity and routingparameters associated with the first communication channel; determinecommunication channel requirements associated with the request to accessthe resources; determine that the connectivity and routing parametersassociated with the first communication channel does not meet thecommunication channel requirements associated with the request to accessthe resources; capture geographic information associated with the firstuser input device; determine a second communication channel available tothe first user input device to access the resources based on at leastthe geographic information associated with the first user input device;and authorize the first user input device to access the resources viathe second communication channel.

In yet another aspect, a method for real-time distributed communicationchannel and multiple data processing channel selection is presented. Themethod comprising: electronically receiving, from a first user inputdevice via a first communication channel, a request to access resources;retrieving, using a communication channel monitoring engine,connectivity and routing parameters associated with the firstcommunication channel; determining communication channel requirementsassociated with the request to access the resources; determining thatthe connectivity and routing parameters associated with the firstcommunication channel does not meet the communication channelrequirements associated with the request to access the resources;capturing geographic information associated with the first user inputdevice; determining a second communication channel available to thefirst user input device to access the resources based on at least thegeographic information associated with the first user input device; andauthorizing the first user input device to access the resources via thesecond communication channel.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made the accompanying drawings, wherein:

FIG. 1 illustrates technical components of a system for real-timedistributed communication channel and multiple data processing channelselection, in accordance with an embodiment of the invention;

FIG. 2 illustrates a process flow for real-time distributedcommunication channel and multiple data processing channel selection, inaccordance with an embodiment of the invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Where possible, any terms expressed in the singularform herein are meant to also include the plural form and vice versa,unless explicitly stated otherwise. Also, as used herein, the term “a”and/or “an” shall mean “one or more,” even though the phrase “one ormore” is also used herein. Furthermore, when it is said herein thatsomething is “based on” something else, it may be based on one or moreother things as well. In other words, unless expressly indicatedotherwise, as used herein “based on” means “based at least in part on”or “based at least partially on.” Like numbers refer to like elementsthroughout.

As used herein, an “entity” may be any institution employing informationtechnology resources and particularly technology infrastructureconfigured for processing large amounts of data. Typically, these datacan be related to the people who work for the organization, its productsor services, the customers or any other aspect of the operations of theorganization. As such, the entity may be any institution, group,association, financial institution, establishment, company, union,authority or the like, employing information technology resources forprocessing large amounts of data.

As described herein, a “user” may be an individual associated with anentity. As such, in some embodiments, the user may be an individualhaving past relationships, current relationships or potential futurerelationships with an entity. In some embodiments, a “user” may be anemployee (e.g., an associate, a project manager, an IT specialist, amanager, an administrator, an internal operations analyst, or the like)of the entity or enterprises affiliated with the entity, capable ofoperating the systems described herein. In some embodiments, a “user”may be any individual, entity or system who has a relationship with theentity, such as a customer or a prospective customer. In otherembodiments, a user may be a system performing one or more tasksdescribed herein.

As used herein, a “user interface” may be any device or software thatallows a user to input information, such as commands or data, into adevice, or that allows the device to output information to the user. Forexample, the user interface includes a graphical user interface (GUI) oran interface to input computer-executable instructions that direct aprocessing device to carry out specific functions. The user interfacetypically employs certain input and output devices to input datareceived from a user second user or output data to a user. These inputand output devices may include a display, mouse, keyboard, button,touchpad, touch screen, microphone, speaker, LED, light, joystick,switch, buzzer, bell, and/or other user input/output device forcommunicating with one or more users.

As used herein, an “engine” may refer to core elements of a computerprogram, or part of a computer program that serves as a foundation for alarger piece of software and drives the functionality of the software.An engine may be self-contained, but externally-controllable code thatencapsulates powerful logic designed to perform or execute a specifictype of function. In one aspect, an engine may be underlying source codethat establishes file hierarchy, input and output methods, and how aspecific part of a computer program interacts or communicates with othersoftware and/or hardware. The specific components of an engine may varybased on the needs of the specific computer program as part of thelarger piece of software. In some embodiments, an engine may beconfigured to retrieve resources created in other computer programs,which may then be ported into the engine for use during specificoperational aspects of the engine. An engine may be configurable to beimplemented within any general purpose computing system. In doing so,the engine may be configured to execute source code embedded therein tocontrol specific features of the general purpose computing system toexecute specific computing operations, thereby transforming the generalpurpose system into a specific purpose computing system.

As used herein, “authentication credentials” may be any information thatcan be used to identify of a user. For example, a system may prompt auser to enter authentication information such as a username, a password,a personal identification number (PIN), a passcode, biometricinformation (e.g., iris recognition, retina scans, fingerprints, fingerveins, palm veins, palm prints, digital bone anatomy/structure andpositioning (distal phalanges, intermediate phalanges, proximalphalanges, and the like), an answer to a security question, a uniqueintrinsic user activity, such as making a predefined motion with a userdevice. This authentication information may be used to authenticate theidentity of the user (e.g., determine that the authenticationinformation is associated with the account) and determine that the userhas authority to access an account or system. In some embodiments, thesystem may be owned or operated by an entity. In such embodiments, theentity may employ additional computer systems, such as authenticationservers, to validate and certify resources inputted by the plurality ofusers within the system. The system may further use its authenticationservers to certify the identity of users of the system, such that otherusers may verify the identity of the certified users. In someembodiments, the entity may certify the identity of the users.Furthermore, authentication information or permission may be assigned toor required from a user, application, computing node, computing cluster,or the like to access stored data within at least a portion of thesystem.

It should also be understood that “operatively coupled,” as used herein,means that the components may be formed integrally with each other, ormay be formed separately and coupled together. Furthermore, “operativelycoupled” means that the components may be formed directly to each other,or to each other with one or more components located between thecomponents that are operatively coupled together. Furthermore,“operatively coupled” may mean that the components are detachable fromeach other, or that they are permanently coupled together. Furthermore,operatively coupled components may mean that the components retain atleast some freedom of movement in one or more directions or may berotated about an axis (i.e., rotationally coupled, pivotally coupled).Furthermore, “operatively coupled” may mean that components may beelectronically connected and/or in fluid communication with one another.

As used herein, an “interaction” may refer to any communication betweenone or more users, one or more entities or institutions, and/or one ormore devices, nodes, clusters, or systems within the system environmentdescribed herein. For example, an interaction may refer to a transfer ofdata between devices, an accessing of stored data by one or more nodesof a computing cluster, a transmission of a requested task, or the like.

As used herein, “determining” may encompass a variety of actions. Forexample, “determining” may include calculating, computing, processing,deriving, investigating, ascertaining, and/or the like. Furthermore,“determining” may also include receiving (e.g., receiving information),accessing (e.g., accessing data in a memory), and/or the like. Also,“determining” may include resolving, selecting, choosing, calculating,establishing, and/or the like. Determining may also include ascertainingthat a parameter matches a predetermined criterion, including that athreshold has been met, passed, exceeded, and so on.

As used herein, a “resource” may generally refer to objects, products,devices, goods, commodities, services, and the like, and/or the abilityand opportunity to access and use the same. Some example implementationsherein contemplate property held by a user, including property that isstored and/or maintained by a third-party entity. In some exampleimplementations, a resource may be associated with one or more accountsor may be property that is not associated with a specific account.Examples of resources associated with accounts may be accounts that havecash or cash equivalents, commodities, and/or accounts that are fundedwith or contain property, such as safety deposit boxes containingjewelry, art or other valuables, a trust account that is funded withproperty, or the like. For purposes of this invention, a resource istypically stored in a resource repository—a storage location where oneor more resources are organized, stored and retrieved electronicallyusing a computing device.

As used herein, a “resource transfer,” “resource distribution,” or“resource allocation” may refer to any transaction, activities orcommunication between one or more entities, or between the user and theone or more entities. A resource transfer may refer to any distributionof resources such as, but not limited to, a payment, processing offunds, purchase of goods or services, a return of goods or services, apayment transaction, a credit transaction, or other interactionsinvolving a user's resource or account. Unless specifically limited bythe context, a “resource transfer” a “transaction”, “transaction event”or “point of transaction event” may refer to any activity between auser, a merchant, an entity, or any combination thereof. In someembodiments, a resource transfer or transaction may refer to financialtransactions involving direct or indirect movement of funds throughtraditional paper transaction processing systems (i.e. paper checkprocessing) or through electronic transaction processing systems.Typical financial transactions include point of sale (POS) transactions,automated teller machine (ATM) transactions, person-to-person (P2P)transfers, internet transactions, online shopping, electronic fundstransfers between accounts, transactions with a financial institutionteller, personal checks, conducting purchases using loyalty/rewardspoints etc. When discussing that resource transfers or transactions areevaluated it could mean that the transaction has already occurred, is inthe process of occurring or being processed, or it has yet to beprocessed/posted by one or more financial institutions. In someembodiments, a resource transfer or transaction may refer tonon-financial activities of the user. In this regard, the transactionmay be a customer account event, such as but not limited to the customerchanging a password, ordering new checks, adding new accounts, openingnew accounts, adding or modifying account parameters/restrictions,modifying a payee list associated with one or more accounts, setting upautomatic payments, performing/modifying authentication proceduresand/or credentials, and the like.

Information Technology has changed considerably, moving from aclient-server environment to one driven by digital transformation,increasing the interaction of network infrastructure devices such asmobile devices, routers, firewalls, switches, servers, load-balancers,intrusion detection systems, domain name systems, storage area networks,and/or the like. All this innovation has expanded the ability of peopleand devices to communicate. What remains constant, however, is that thenetwork, no matter what form it takes, must protect the usability andintegrity of the communication channels and network resources. Networksecurity combines multiple layers of defenses at the nodes, edges,communication channels, and other portions of the networkinfrastructure. Each layer of defense may include a sequence ofoperations and/or controls that ensure protection of data.

With the evolution of user input devices such as POS devices (cashregister, hand-held device, dongle, or the like), there is a need formodernization of the data and the communication channel that legacydevices transmit in order to create a more resilient connection fortransaction processing. The present invention achieves a more resilientdynamic connection to and from the user input device to take in data,authorize payment, and confirm payment back to the POS device byconverting and modernizing the data that comes from the various userinput devices, specifically with respect to the data transmission viacommunication channels. To this end, the present invention implementsspecific controls in the form of communication channel requirements forcommunication channels used in the transfer of resources to and from auser input device to protect the usability and integrity of the networkresources. When a user input device attempts to access resources via aspecific communication channel, the present invention initiates acommunication channel monitoring engine to determine whether theconnectivity and routing parameters of that communication channel meetthe communication channel requirements required to access the resources.In instances where the requirements are not met, the present inventionprovides the functional benefit of identifying an alternatecommunication channel whose connectivity and routing parameters meet thecommunication channel requirements. In some instances, the alternatecommunication channel may be identified based on also the geographicinformation of the user input device. Furthermore, the present inventionprovides the functional benefit of using a dynamic channel pricingengine to determine a value for the user input device to access theresources using the alternate communication channel.

FIG. 1 illustrates technical components of a system for real-timedistributed communication channel and multiple data processing channelselection 100, in accordance with an embodiment of the invention. FIG. 1provides a unique system that includes specialized servers and systemcommunicably linked across a distributive network of nodes required toperform the functions of the process flows described herein inaccordance with embodiments of the present invention.

As illustrated, the system environment 100 includes a network 110, asystem 130, and a user input device 140. In some embodiments, the system130, and the user input device 140 may be used to implement theprocesses described herein, in accordance with an embodiment of thepresent invention. In this regard, the system 130 and/or the user inputdevice 140 may include one or more applications stored thereon that areconfigured to interact with one another to implement any one or moreportions of the various user interfaces and/or process flow describedherein.

In accordance with embodiments of the invention, the system 130 isintended to represent various forms of digital computers, such aslaptops, desktops, video recorders, audio/video player, radio,workstations, servers, wearable devices, Internet-of-things devices,electronic kiosk devices (e.g., automated teller machine devices), bladeservers, mainframes, or any combination of the aforementioned. Inaccordance with embodiments of the invention, the user input device 140is intended to represent various forms of mobile devices, such aspersonal digital assistants, cellular telephones, smartphones, augmentedreality (AR) devices, virtual reality (VR) devices, extended reality(XR) devices, point of sale (POS) device, and other similar computingdevices. The components shown here, their connections and relationships,and their functions, are meant to be exemplary only, and are not meantto limit implementations of the inventions described and/or claimed inthis document.

In accordance with some embodiments, the system 130 may include aprocessor 102, memory 104, a storage device 106, a high-speed interface108 connecting to memory 104, and a low-speed interface 112 connectingto low speed bus 114 and storage device 106. Each of the components 102,104, 106, 108, 111, and 112 are interconnected using various buses, andmay be mounted on a common motherboard or in other manners asappropriate. The processor 102 can process instructions for executionwithin the system 130, including instructions stored in the memory 104or on the storage device 106 to display graphical information for a GUIon an external input/output device, such as display 116 coupled to ahigh-speed interface 108. In other implementations, multiple processorsand/or multiple buses may be used, as appropriate, along with multiplememories and types of memory. Also, multiple systems, same or similar tosystem 130 may be connected, with each system providing portions of thenecessary operations (e.g., as a server bank, a group of blade servers,or a multi-processor system). In some embodiments, the system 130 may bea server managed by the business. The system 130 may be located at thefacility associated with the business or remotely from the facilityassociated with the business.

The memory 104 stores information within the system 130. In oneimplementation, the memory 104 is a volatile memory unit or units, suchas volatile random access memory (RAM) having a cache area for thetemporary storage of information. In another implementation, the memory104 is a non-volatile memory unit or units. The memory 104 may also beanother form of computer-readable medium, such as a magnetic or opticaldisk, which may be embedded and/or may be removable. The non-volatilememory may additionally or alternatively include an EEPROM, flashmemory, and/or the like. The memory 104 may store any one or more ofpieces of information and data used by the system in which it resides toimplement the functions of that system. In this regard, the system maydynamically utilize the volatile memory over the non-volatile memory bystoring multiple pieces of information in the volatile memory, therebyreducing the load on the system and increasing the processing speed.

The storage device 106 is capable of providing mass storage for thesystem 130. In one aspect, the storage device 106 may be or contain acomputer-readable medium, such as a floppy disk device, a hard diskdevice, an optical disk device, or a tape device, a flash memory orother similar solid state memory device, or an array of devices,including devices in a storage area network or other configurations. Acomputer program product can be tangibly embodied in an informationcarrier. The computer program product may also contain instructionsthat, when executed, perform one or more methods, such as thosedescribed above. The information carrier may be a non-transitorycomputer- or machine-readable storage medium, such as the memory 104,the storage device 104, or memory on processor 102.

In some embodiments, the system 130 may be configured to access, via thenetwork 110, a number of other computing devices (not shown) in additionto the user input device 140. In this regard, the system 130 may beconfigured to access one or more storage devices and/or one or morememory devices associated with each of the other computing devices. Inthis way, the system 130 may implement dynamic allocation andde-allocation of local memory resources among multiple computing devicesin a parallel or distributed system. Given a group of computing devicesand a collection of interconnected local memory devices, thefragmentation of memory resources is rendered irrelevant by configuringthe system 130 to dynamically allocate memory based on availability ofmemory either locally, or in any of the other computing devicesaccessible via the network. In effect, it appears as though the memoryis being allocated from a central pool of memory, even though the spaceis distributed throughout the system. This method of dynamicallyallocating memory provides increased flexibility when the data sizechanges during the lifetime of an application and allows memory reusefor better utilization of the memory resources when the data sizes arelarge.

The high-speed interface 108 manages bandwidth-intensive operations forthe system 130, while the low speed controller 112 manages lowerbandwidth-intensive operations. Such allocation of functions isexemplary only. In some embodiments, the high-speed interface 108 iscoupled to memory 104, display 116 (e.g., through a graphics processoror accelerator), and to high-speed expansion ports 111, which may acceptvarious expansion cards (not shown). In such an implementation,low-speed controller 112 is coupled to storage device 106 and low-speedexpansion port 114. The low-speed expansion port 114, which may includevarious communication ports (e.g., USB, Bluetooth, Ethernet, wirelessEthernet), may be coupled to one or more input/output devices, such as akeyboard, a pointing device, a scanner, or a networking device such as aswitch or router, e.g., through a network adapter.

The system 130 may be implemented in a number of different forms, asshown in FIG. 1 . For example, it may be implemented as a standardserver, or multiple times in a group of such servers. Additionally, thesystem 130 may also be implemented as part of a rack server system or apersonal computer such as a laptop computer. Alternatively, componentsfrom system 130 may be combined with one or more other same or similarsystems and an entire system 130 may be made up of multiple computingdevices communicating with each other.

FIG. 1 also illustrates a user input device 140, in accordance with anembodiment of the invention. The user input device 140 includes aprocessor 152, memory 154, an input/output device such as a display 156,a communication interface 158, and a transceiver 160, among othercomponents. The user input device 140 may also be provided with astorage device, such as a microdrive or other device, to provideadditional storage. Each of the components 152, 154, 158, and 160, areinterconnected using various buses, and several of the components may bemounted on a common motherboard or in other manners as appropriate.

The processor 152 is configured to execute instructions within the userinput device 140, including instructions stored in the memory 154. Theprocessor may be implemented as a chipset of chips that include separateand multiple analog and digital processors. The processor may beconfigured to provide, for example, for coordination of the othercomponents of the user input device 140, such as control of userinterfaces, applications run by user input device 140, and wirelesscommunication by user input device 140.

The processor 152 may be configured to communicate with the user throughcontrol interface 164 and display interface 166 coupled to a display156. The display 156 may be, for example, a TFT LCD(Thin-Film-Transistor Liquid Crystal Display) or an OLED (Organic LightEmitting Diode) display, or other appropriate display technology. Thedisplay interface 156 may comprise appropriate circuitry and configuredfor driving the display 156 to present graphical and other informationto a user. The control interface 164 may receive commands from a userand convert them for submission to the processor 152. In addition, anexternal interface 168 may be provided in communication with processor152, so as to enable near area communication of user input device 140with other devices. External interface 168 may provide, for example, forwired communication in some implementations, or for wirelesscommunication in other implementations, and multiple interfaces may alsobe used.

The memory 154 stores information within the user input device 140. Thememory 154 can be implemented as one or more of a computer-readablemedium or media, a volatile memory unit or units, or a non-volatilememory unit or units. Expansion memory may also be provided andconnected to user input device 140 through an expansion interface (notshown), which may include, for example, a SIMM (Single In Line MemoryModule) card interface. Such expansion memory may provide extra storagespace for user input device 140 or may also store applications or otherinformation therein. In some embodiments, expansion memory may includeinstructions to carry out or supplement the processes described aboveand may include secure information also. For example, expansion memorymay be provided as a security module for user input device 140 and maybe programmed with instructions that permit secure use of user inputdevice 140. In addition, secure applications may be provided via theSIMM cards, along with additional information, such as placingidentifying information on the SIMM card in a non-hackable manner. Insome embodiments, the user may use the applications to execute processesdescribed with respect to the process flows described herein.Specifically, the application executes the process flows describedherein.

The memory 154 may include, for example, flash memory and/or NVRAMmemory. In one aspect, a computer program product is tangibly embodiedin an information carrier. The computer program product containsinstructions that, when executed, perform one or more methods, such asthose described herein. The information carrier is a computer- ormachine-readable medium, such as the memory 154, expansion memory,memory on processor 152, or a propagated signal that may be received,for example, over transceiver 160 or external interface 168.

In some embodiments, the user may use the user input device 140 totransmit and/or receive information or commands to and from the system130 via the network 110. Any communication between the system 130 andthe user input device 140 (or any other computing devices) may besubject to an authentication protocol allowing the system 130 tomaintain security by permitting only authenticated users (or processes)to access the protected resources of the system 130, which may includeservers, databases, applications, and/or any of the components describedherein. To this end, the system 130 may require the user (or process) toprovide authentication credentials to determine whether the user (orprocess) is eligible to access the protected resources. Once theauthentication credentials are validated and the user (or process) isauthenticated, the system 130 may provide the user (or process) withpermissioned access to the protected resources. Similarly, the userinput device 140 (or any other computing devices) may provide the system130 with permissioned to access the protected resources of the userinput device 130 (or any other computing devices), which may include aGPS device, an image capturing component (e.g., camera), a microphone, aspeaker, and/or any of the components described herein.

The user input device 140 may communicate with the system 130 (and oneor more other devices) wirelessly through communication interface 158,which may include digital signal processing circuitry where necessary.Communication interface 158 may provide for communications under variousmodes or protocols, such as GSM voice calls, SMS, EMS, or MMS messaging,CDMA, TDMA, PDC, WCDMA, CDMA2000, or GPRS, among others. Suchcommunication may occur, for example, through radio-frequencytransceiver 160. In addition, short-range communication may occur, suchas using a Bluetooth, Wi-Fi, or other such transceiver (not shown). Inaddition, GPS (Global Positioning System) receiver module 170 mayprovide additional navigation—and location-related wireless data to userinput device 140, which may be used as appropriate by applicationsrunning thereon, and in some embodiments, one or more applicationsoperating on the system 130.

The user input device 140 may also communicate audibly using audio codec162, which may receive spoken information from a user and convert it tousable digital information. Audio codec 162 may likewise generateaudible sound for a user, such as through a speaker, e.g., in a handsetof user input device 140. Such sound may include sound from voicetelephone calls, may include recorded sound (e.g., voice messages, musicfiles, etc.) and may also include sound generated by one or moreapplications operating on the user input device 140, and in someembodiments, one or more applications operating on the system 130.

Various implementations of the systems and techniques described here canbe realized in digital electronic circuitry, integrated circuitry,specially designed ASICs (application specific integrated circuits),computer hardware, firmware, software, and/or combinations thereof.These various implementations can include implementation in one or morecomputer programs that are executable and/or interpretable on aprogrammable system including at least one programmable processor, whichmay be special or general purpose, coupled to receive data andinstructions from, and to transmit data and instructions to, a storagesystem, at least one input device, and at least one output device.

These computer programs (also known as programs, software, softwareapplications or code) include machine instructions for a programmableprocessor and can be implemented in a high-level procedural and/orobject-oriented programming language, and/or in assembly/machinelanguage. As used herein, the terms “machine-readable medium”“computer-readable medium” refers to any computer program product,apparatus and/or device (e.g., magnetic discs, optical disks, memory,Programmable Logic Devices (PLDs)) used to provide machine instructionsand/or data to a programmable processor, including a machine-readablemedium that receives machine instructions as a machine-readable signal.The term “machine-readable signal” refers to any signal used to providemachine instructions and/or data to a programmable processor.

To provide for interaction with a user, the systems and techniquesdescribed here can be implemented on a computer having a display device(e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor)for displaying information to the user and a keyboard and a pointingdevice (e.g., a mouse or a trackball) by which the user can provideinput to the computer. Other kinds of devices can be used to provide forinteraction with a user as well; for example, feedback provided to theuser can be any form of sensory feedback (e.g., visual feedback,auditory feedback, or tactile feedback); and input from the user can bereceived in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in atechnical environment that includes a back end component (e.g., as adata server), that includes a middleware component (e.g., an applicationserver), that includes a front end component (e.g., a client computerhaving a graphical user interface or a Web browser through which a usercan interact with an implementation of the systems and techniquesdescribed here), or any combination of such back end, middleware, orfront end components.

As shown in FIG. 1 , the components of the system 130 and the user inputdevice 140 are interconnected using the network 110. The network 110,which may be include one or more separate networks, be a form of digitalcommunication network such as a telecommunication network, a local areanetwork (“LAN”), a wide area network (“WAN”), a global area network(“GAN”), the Internet, or any combination of the foregoing. It will alsobe understood that the network 110 may be secure and/or unsecure and mayalso include wireless and/or wired and/or optical interconnectiontechnology.

In accordance with an embodiments of the invention, the components ofthe system environment 100, such as the system 130 and the user inputdevice 140 may have a client-server relationship, where the user inputdevice 130 makes a service request to the system 130, the system 130accepts the service request, processes the service request, and returnsthe requested information to the user input device 140, and vice versa.This relationship of client and server typically arises by virtue ofcomputer programs running on the respective computers and having aclient-server relationship to each other.

It will be understood that the embodiment of the system environment 100illustrated in FIG. 1 is exemplary and that other embodiments may vary.As another example, in some embodiments, the system environment mayinclude more, fewer, or different components. As another example, insome embodiments, some or all of the portions of the system environment100 may be combined into a single portion. Likewise, in someembodiments, some, or all of the portions of the system 130 may beseparated into two or more distinct portions.

FIG. 2 illustrates a process flow for real-time distributedcommunication channel and multiple data processing channel selection200, in accordance with an embodiment of the invention. As shown inblock 202, the process flow includes electronically receiving, from afirst user input device via a first communication channel, a request toaccess resources. In instances where the first user input device is apoint-of-sale (POS) device at a merchant location, the request to accessresources may be a request to complete an execution of transaction.

In some embodiments, each communication channel may be installed andmaintained by a third party, who determines a value associated with theuse of each communication channel. Therefore, to access resources viathat communication channel, the first user input device may be requiredto pay an amount funds corresponding to the preset value of thecommunication channel. Accordingly, the request may also include animplicit and/or explicit authorization to retrieve funds correspondingto the value of the first communication channel from a resourcerepository (e.g., financial institution account) associated with thefirst user, i.e., the user associated with the first user input device.

In some other embodiments, the third party may also define service levelagreements associated with the user of each communication channel toaccess the resources. Accordingly, prior to accessing the resources viaa particular communication channel, the first user may be required toacknowledge any service level agreements associated with authorizing thefirst user input device to access the resources via that communicationchannel. In such cases, the request may also include an implicit and/oran explicit authorization acknowledging associated service levelagreements.

Next, as shown in block 204, the process flow includes retrieving, usinga communication channel monitoring engine, connectivity and routingparameters associated with the first communication channel. In someembodiments, the connectivity and routing parameters may includeparticular factors that define communication performance. These factorsmay include, usage and load capacity, antenna deployment paradigm,environment characteristics, spectrum channel limitations, signalreflections, signal restrictions, transmitted power limitations,backwards compatibility with older standards, signal polarization, speedloss due to overheads, dynamic performance assessment, installationcost, and/or the like. Each of these factors may be associated with avalue or a value range which may be used to define the availability ofthat communication channel to access the resources.

Next, as shown in block 206, the process flow includes determiningcommunication channel requirements associated with the request to accessthe resources. In some embodiments, the communication channelrequirements may include preset requirements for securitycontrols—safeguards or countermeasures to avoid, detect, counteract, orminimize security exposure to the technology infrastructure—associatedwith channel security and link controls associated with channel quality.These requirements may define specific tolerance levels within which theconnectivity and routing parameters of the communication channel mustfall for to be authorized to access the resources.

Next, as shown in block 208, the process flow includes determining thatthe connectivity and routing parameters associated with the firstcommunication channel does not meet the communication channelrequirements associated with the request to access the resources. Inresponse, the system may be configured to transmit control signalsconfigured to cause the first user input device to display a firstnotification indicating that the request to access resources via thefirst communication channel is denied as the connectivity and routingparameters associated with the first communication channel does not meetthe communication channel requirements associated with the request toaccess the resources device.

Next, as shown in block 210, the process flow includes capturing, usinga GPS device, geographic information associated with the first userinput device. In some embodiments, the geographic information associatedwith the first user input device may define applicable communicationchannel available for the first user input device for most efficientcommunication. For example, if the first user input device is determinedto be in a mountainous terrain, the system may be configured todetermine that a wireless 5G communication may be affected by theterrain and may determine whether any wireless LAN based communicationchannels are available.

Next, as shown in block 212, the process flow includes determining asecond communication channel available to the first user input device toaccess the resources based on at least the geographic informationassociated with the first user input device. In this regard, the systemmay be configured to retrieve, using the communication channelmonitoring engine, connectivity and routing parameters associated withthe second communication channel. In response, the system may beconfigured to compare the connectivity and routing parameters with thecommunication channel requirements for the first user input device toaccess the resources. If the connectivity and routing parameters meetthe requirements within a tolerance level, the system may be configuredto determine that the second communication channel is available to thefirst user input device to access the resources.

Once the second communication channel is determined as being availableto the first user input device to access the resources, the system maybe configured to transmit control signals configured to cause the firstuser input device to display a second notification indicating that theconnectivity and routing parameters associated with the secondcommunication channel meets the communication channel requirementsassociated with the request to access the resources. In someembodiments, the second notification may also include a prompt torequest a user acknowledgement to access the resources via the secondcommunication channel. In response, the system may be configured toreceive, from the first user input device, the user input acknowledgingthe use of the second communication channel to access the resources.

As described herein, each communication channel may be associated with apreset value, and to access resources via that communication channel,the first user input device may be required to pay an amount fundscorresponding to the preset value of the communication channel.Accordingly, in response to receiving the user input acknowledging theuse of the second communication channel, the system may be configured todetermine, using a dynamic channel pricing engine, a value for the firstuser input device to access the resources using the second communicationchannel. In response, the system may be configured to transmit controlsignals configured to cause the first user input device to display athird notification indicating the value for the first user input deviceto access the resources using the second communication channel. In oneaspect, the third notification may further include an authorizationrequest to automatically retrieve funds corresponding to the value froman account associated with the first user. If the preset value of thesecond communication channel matches the preset value of the firstcommunication channel, no additional fund retrieval is required.However, if the preset value of the second communication channel isgreater than the preset value of the first communication channel, thefunds retrieved will be equal to the difference in the values. Inresponse, the system may be configured to electronically receive, fromthe first user input device, a user authorization to automaticallyretrieve funds corresponding to the value from an account repositoryassociated with the first user input device to authorize access to theresources via the second communication channel.

In some embodiments, in response to receiving the user authorization,the system may be configured to dynamically generate a service levelagreement associated with authorizing the first user input device toaccess the resources via the second communication channel. In response,the system may be configured to transmit control signals configured tocause the first user input device to display a fourth notificationindicating the service level agreement. Here, the fourth notificationmay include a prompt to request a user acknowledgement of the servicelevel agreement. In response, the system may be configured to receive,from the first user input device, the user input acknowledging theservice level agreement.

Next, as shown in block 214, the process flow includes authorizing thefirst user input device to access the resources via the secondcommunication channel. In embodiments where a user acknowledgement ofthe service level agreement and/or a user authorization to retrieveadditional funds is required, the system may be configured to authorizethe first user input device to access the resources via the secondcommunication channel once the user acknowledgement and/or the userauthorization has been received.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F #.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g. amemory) that can direct, instruct, and/or cause a computer and/or otherprogrammable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

What is claimed is:
 1. A system for real-time distributed communication channel and multiple data processing channel selection, the system comprising: at least one processing device; and at least one non-transitory storage device with computer-readable program code stored thereon and accessible by the at least one processing device, wherein the computer-readable code when executed is configured to cause the at least one processing device to: electronically receive, from a first user input device via a first communication channel, a request to access resources; retrieve, using a communication channel monitoring engine, connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources based on at least the geographic information associated with the first user input device; dynamically generate a service level agreement associated with authorizing the first user input device to access the resources via the second communication channel; receive, from the first user input device, an user input acknowledging the service level agreement; and authorize the request to access the resources via the second communication channel in response to receiving the user input acknowledging the service level agreement.
 2. The system of claim 1, wherein determining that the second communication channel available to the first user input device further comprises: retrieve, using the communication channel monitoring engine, connectivity and routing parameters associated with the second communication channel; and determine that the connectivity and routing parameters associated with the second communication channel meets the communication channel requirements associated with the request to access the resources.
 3. The system of claim 1, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: transmit control signals configured to cause the first user input device to display a first notification indicating that the request to access resources via the first communication channel is denied as the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources device.
 4. The system of claim 1, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: transmit control signals configured to cause the first user input device to display a second notification indicating that the connectivity and routing parameters associated with the second communication channel meets the communication channel requirements associated with the request to access the resources, wherein the second notification further comprises a prompt to request a user acknowledgement to access the resources via the second communication channel; receive, from the first user input device, and user input acknowledging the use of the second communication channel to access the resources; and authorize the request to access the resources via the second communication channel in response to receiving the user input acknowledging the use of the second communication channel to access the resources and the input acknowledging the service level agreement.
 5. The system of claim 4, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: determine, using a dynamic channel pricing engine, a value for the first user input device to access the resources using the second communication channel; and transmit control signals configured to cause the first user input device to display a third notification indicating the value for the first user input device to access the resources using the second communication channel, wherein the third notification further comprises an authorization request to automatically retrieve funds corresponding to the value from an account repository associated with the first user input device.
 6. The system of claim 5, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: electronically receive, from the first user input device, a user authorization to automatically retrieve funds corresponding to the value from an account repository associated with the first user input device to authorize access to the resources via the second communication channel.
 7. The system of claim 1, wherein the communication channel requirements associated with the request to access the resources further comprise one or more preset requirements for one or more security controls associated with channel security and one or more link controls associated with channel quality.
 8. A computer program product for real-time distributed communication channel and multiple data processing channel selection, the computer program product comprising a non-transitory computer-readable medium comprising code causing at least one processing device to: electronically receive, from a first user input device via a first communication channel, a request to access resources; retrieve, using a communication channel monitoring engine, connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources based on at least the geographic information associated with the first user input device dynamically generate a service level agreement associated with authorizing the first user input device to access the resources via the second communication channel; receive, from the first user input device, an user input acknowledging the service level agreement; and authorize the request to access the resources via the second communication channel in response to receiving the user input acknowledging the service level agreement.
 9. The computer program product of claim 8, wherein determining that the second communication channel available to the first user input device further comprises: retrieve, using the communication channel monitoring engine, connectivity and routing parameters associated with the second communication channel; and determine that the connectivity and routing parameters associated with the second communication channel meets the communication channel requirements associated with the request to access the resources.
 10. The computer program product of claim 8, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: transmit control signals configured to cause the first user input device to display a first notification indicating that the request to access resources via the first communication channel is denied as the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources device.
 11. The computer program product of claim 8, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: transmit control signals configured to cause the first user input device to display a second notification indicating that the connectivity and routing parameters associated with the second communication channel meets the communication channel requirements associated with the request to access the resources, wherein the second notification further comprises a prompt to request a user acknowledgement to access the resources via the second communication channel; receive, from the first user input device, an user input acknowledging the use of the second communication channel to access the resources; and authorize the request to access the resources via the second communication channel in response to receiving the user input acknowledging the use of the second communication channel to access the resources and the input acknowledging the service level agreement.
 12. The computer program product of claim 11, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: determine, using a dynamic channel pricing engine, a value for the first user input device to access the resources using the second communication channel; and transmit control signals configured to cause the first user input device to display a third notification indicating the value for the first user input device to access the resources using the second communication channel, wherein the third notification further comprises an authorization request to automatically retrieve funds corresponding to the value from an account repository associated with the first user input device.
 13. The computer program product of claim 12, wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to: electronically receive, from the first user input device, a user authorization to automatically retrieve funds corresponding to the value from an account repository associated with the first user input device to authorize access to the resources via the second communication channel.
 14. The computer program product of claim 8, wherein the communication channel requirements associated with the request to access the resources further comprise one or more preset requirements for one or more security controls associated with channel security and one or more link controls associated with channel quality.
 15. A method for real-time distributed communication channel and multiple data processing channel selection, the method comprising: electronically receiving, from a first user input device via a first communication channel, a request to access resources; retrieving, using a communication channel monitoring engine, connectivity and routing parameters associated with the first communication channel; determining communication channel requirements associated with the request to access the resources; determining that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capturing geographic information associated with the first user input device; determining a second communication channel available to the first user input device to access the resources based on at least the geographic information associated with the first user input device; dynamically generate a service level agreement associated with authorizing the first user input device to access the resources via the second communication channel; receive, from the first user input device, an user input acknowledging the service level agreement; and authorize the request to access the resources via the second communication channel in response to receiving the user input acknowledging the service level agreement.
 16. The method of claim 15, wherein determining that the second communication channel available to the first user input device further comprises: retrieving, using the communication channel monitoring engine, connectivity and routing parameters associated with the second communication channel; and determining that the connectivity and routing parameters associated with the second communication channel meets the communication channel requirements associated with the request to access the resources.
 17. The method of claim 15, wherein the method further comprises: transmitting control signals configured to cause the first user input device to display a first notification indicating that the request to access resources via the first communication channel is denied as the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources device.
 18. The method of claim 15, wherein the method further comprises: transmitting control signals configured to cause the first user input device to display a second notification indicating that the connectivity and routing parameters associated with the second communication channel meets the communication channel requirements associated with the request to access the resources, wherein the second notification further comprises a prompt to request a user acknowledgement to access the resources via the second communication channel; receiving, from the first user input device, an user input acknowledging the use of the second communication channel to access the resources; and authorizing the request to access the resources via the second communication channel in response to receiving the user input acknowledging the use of the second communication channel to access the resources.
 19. The method of claim 15, wherein the method further comprises: determining, using a dynamic channel pricing engine, a value for the first user input device to access the resources using the second communication channel; and transmitting control signals configured to cause the first user input device to display a third notification indicating the value for the first user input device to access the resources using the second communication channel, wherein the third notification further comprises an authorization request to automatically retrieve funds corresponding to the value from an account repository associated with the first user input device.
 20. The method of claim 19, wherein the method further comprises: electronically receiving, from the first user input device, a user authorization to automatically retrieve funds corresponding to the value from an account repository associated with the first user input device to authorize access to the resources via the second communication channel. 